Posts tagged as:

life

Joseph Noah

Joseph Noah - Born 10-21-2009

Sometimes When LIFE Happens To You It Is A Blessing!

Well folks, Joseph Noah has arrived!  Beautiful, healthy and a gift better than any other!  I can only describe the feeling as life changing.  That’s part of the beauty of being a parent.  We learn so much from each child and each experience.  The fact that a little baby can change us without ever saying a word is phenomenal!  Today was a remarkable day indeed!

Here are a few preliminary photos, I plan to share more later on.  Enjoy them as you are reminded of how beautiful life really is!

Noah 10-21-09Noah 10-21-2009

I will be sure to post some close-ups as soon as I can get home to take the pictures off of my camera.

Here is something else that makes this moment even more wonderful. Besides the debt that the U.S. Government is adding to his tab—Noah is debt free!!! I plan to make sure he keeps it that way.  :D

Happy Days…

PICTURE UPDATE: I just wanted to add that Isaac has been so proud of his little brother.  Even more than we could have ever imagined.  This is Noah in my first favorite outfit. :D   And Isaac holding Noah for the very first time by himself—or as he would say, “I holda Noah all bys myself.” (Not mispelled)  It is so adorable!

Noah7

noah8

Got Cheeto's?

noah9noah10

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Reading Rocks!

Recently, Newsweek published an article with what they called, 50 Must Reads Now, And Why.  Now I am certain some of the books they picked are great reads, but I am also sure that they left better ones out.  So I came up with a list of financial books I think everyone should read.  More than half of these I have read, and the rest are on my to-read list. The ones that I haven’t read have been highly recommended by others with great enthusiasm.

These books will help you in everyday life, and will motivate, inspire, and help you realize your potential.  I hope you have a chance to read some, or all of these books!  Have any of these books helped you?  Do tell by leaving a comment below. Also add other books you think should be on this list.

1. Total Money Makeover - Dave Ramsey

The Total Money Makeover

Publisher’s Notes (have read at least three times)
Dave condenses his 17 years of financial teaching and counseling into 7 organized, easy-to-follow steps that will lead you out of debt and into a Total Money Makeover. Plus, you’ll read over 50 real-life stories from people just like you who have followed these principles and are now winning with their money. It is a plan designed for everyone, regardless of income or age.  Sample Chapter

With The Total Money Makeover, you’ll be able to:

~Design a sure-fire plan for paying off ALL debt
~Recognize the 10 most dangerous money myths
~Secure a big, fat nest egg for emergencies and retirement
~Positively change your life and your family tree!

2. QBQ: The Question Behind The QuestionJohn G. Miller

QBQ

Publisher’s Notes (have read twice)
Have you ever heard questions like these?

~Why do we have to go through all this change?
~When is someone going to train me?
~Who dropped the ball?
~Why can’t they communicate better?
~When is that department going to do its job right?
~Who’s going to solve the problem?
~When am I going to find good people?
~Why don’t they share the vision?
~Who’s going to clarify my job?

If so, QBQ! is for you and your organization. The QBQ is a tool that enables leaders – at all levels – to practice personal accountability by making better choices in the moment. This helps you to eliminate blame, complaining and procrastination, allowing you and your colleagues to:

~Boost Morale
~Adapt to Change
~Enhance Communication
~Increase Productivity
~Foster Creativity
~Develop People
~Build Effective Teams
~Solve Problems

3. Accept No Mediocre LifeDavid Foster

Accept No Mediocre Life

Publisher’s Notes (have not read)
Widely loved speaker and pastor David Foster urges readers to shed the labels others so often place on us, especially the most dangerous label of all: mediocre. All labels are libels and this is the most insidious. When we believe the opinions of others about us, we can’t fail to measure up to their meager expectations.

But there are ways to break free, to go through life dancing, twirling, testing our limits, embracing the best God has in store for us. As an old proverb has it, “He who aims at excellence will be above mediocrity; he who aims at mediocrity will be far short of it.”

Organized in a series of four commitments, Foster outlines promises we will make ourselves as we learn to strive for excellence in our lives. These 12 promises—among them, “I will embrace my uniqueness,” “I will conquer my fears,” “I will serve a noble cause,” “I will treat time as life”—form a personal agenda by which we can realize our full potential, whatever our circumstances.

The perfect conditions, perfect timing, perfect skills for achieving excellence will never come. We have to seize today and vow to begin a life-changing, life-affirming journey to reach the awesome possibilities ahead of us. As Foster says, “We will not be denied, because we refuse to live within the limits of man-made labels and libels. We will not accept a mediocre life and we will not disappear quietly into the middle. We gladly accept the proverb, ‘Those who hear not the music, think the dancer’s mad.’ We hear the music, it’s in our heart and soul, and we must dance.”

4. No More MondaysDan Miller

No More Mondays

Publisher’s Notes (have read)
In today’s workplace, job security is like carbon paper–a relic of the past. But if you take a careful look you’ll discover this is good news. The radical shifts that are reshaping the American economy invite you to redesign your work and create a career path that matches your passions and interests, as well as your expertise. More than ever before, successful workers need to draw on their creativity, relational skills, and entrepreneurship.

In No More Mondays, you will learn how to:

~Develop a knack for creating your own opportunities
~Allow your deepest passion to direct you to profitable work
~Discover the off-the-grid opportunities that are multiplying as the number of traditional jobs continues to shrink
~Channel your creativity in ways that make you more marketable

Position yourself for long-term success in a rapidly changing marketplace by drawing on strengths you have been neglecting. Not only will you find work that pays the bills, you’ll find work that pays dividends in meaning, satisfaction, and purpose. Now you can start looking forward to next Monday.

ALSO CHECK OUT: 48 Days To The Work You Love (have read twice)

5. The Millionaire Next DoorThomas J. Stanley, Ph.D & William D. Danko, Ph.D

Millionaire Next Door

Publisher’s Notes (have read)

~Can you spot the millionaire next door?
~Who are the rich in this country?
~What do they do?
~Where do they shop?
~How do they invest?
~Where did their ancestors come from?
~How did they get rich?
~Can I ever become one of them?

Get the answers to these questions in this book, the never-before-told story about wealth in America. You’ll be surprised at what you find out.

6. Good To GreatJim Collins

Good To Great

Publisher’s Notes (have read)
The findings of the Good to Great study will surprise many readers and shed light on virtually every area of management strategy and practice. The findings include:

~Level 5 Leaders: The research team was shocked to discover the type of leadership required to achieve greatness.
~The Hedgehog Concept (Simplicity within the Three Circles):
To go from good to great requires transcending the curse of competence.
~A Culture of Discipline: When you combine a culture of discipline with an ethic of entrepreneurship, you get the magical alchemy of great results.
~Technology Accelerators: Good-to-great companies think differently about the role of technology.
~The Flywheel and the Doom Loop: Those who launch radical change programs and wrenching restructurings will almost certainly fail to make the leap.

“Some of the key concepts discerned in the study,” comments Jim Collins, “fly in the face of our modern business culture and will, quite frankly, upset some people.”

7. See You At The TopZig Ziglar

See You At The Top

Publisher’s Notes (next on my list)
For more than 3 decades, Zig Ziglar, one of the great motivators of our age, has traveled the world, encouraging, uplifting, and inspiring audiences. His ground-breaking best-seller, See You at the Top, remains an authentic American classic. Its basic premise—you can have everything in life you want if you will just help enough other people get what they want—has guided generations of readers to personal success.

This revised and updated 25th anniversary edition stresses the importance of honesty, loyalty, faith, integrity, and strong personal character. See You at the Top emphasizes the value of a healthy self-image and shows how to build it. Personal goals are an essential part of any program for success. This important book tells you how to set—and achieve—those goals, and provides step-by-step instructions on how to change the way you think about yourself and your surroundings.

See You at the Top is widely used by corporations large and small, schools, government agencies, correctional institutions, and sales organizations—wherever motivation and self-improvement are considered major priorities. It has been translated into more than a dozen languages, and has sold more than 1 million hardcover copies.

8. The 7 Habits Of Highly Effective People – Stephen R. Covey

The 7 Habits Of Highly Effective People

Publisher’s Notes (have read)
In The 7 Habits of Highly Effective People, author Stephen R. Covey presents a holistic, integrated, principle-centered approach for solving personal and professional problems. With penetrating insights and pointed anecdotes, Covey reveals a step-by-step pathway for living with fairness, integrity, service, and human dignity – principles that give us the security to adapt to change and the wisdom and power to take advantage of the opportunities that change creates.

9. Rhinoceros SuccessScott Alexander

rhinoceros success

Publisher’s Notes
Success is difficult but…

Tomorrow morning, you could wake up as a full-grown rhinoceros and:

~Charge your way to success
~Use audacity to reach your goals
~Be happier than you’ve ever been before
~Make your life an exciting adventure
~Have the persistence and tenacity necessary for success
~Never worry again
~Succeed at the world’s most profitable hobby
~Achieve more and have a better balance in the six major areas of your life: financial, work, physical, family, social and spiritual

Scott Alexander has discovered the REAL secret of success: becoming a rhinoceros. Read it and go rhino! That’s all there is between you and everything you’ve ever wanted to do or become in your life. CHARGE!

10. Start Where You AreChris Gardner

Start From Where You Are

Publisher’s Notes (haven’t read yet)
Ever since the story of his transformation from homeless, single and struggling father to millionaire became known the world over, Chris Gardner—whose life story both inspired the movie The Pursuit of Happyness and became a #1 New York Times bestseller by the same name—has been inundated with two questions: “How did you do it?” and “How can I do it, too?” Gardner’s power-packed, transformational reply is the basis of this long-anticipated book.

As a departure from standard self-help tomes that promise overnight riches and exclusive secrets for success, Gardner avoids any tilt toward magical thinking by staying with real issues and solutions impacting individuals in all walks of life.

If you’ve had the rug pulled out from under you, or have been dealing with the loss of a home, a job, a health or financial crisis, or simply can’t find the motivation to pursue new challenges, Start Where You Are abounds with life lessons that offer hope and provide a road map for starting anew. This is also the book for anyone ready to launch a personal, professional undertaking, or break generational cycles that hem in their potential.

11. The Principle Of The PathAndy Stanley

The Principle Of The Path

Publisher’s Notes (haven’t read yet)
Your Direction, not Your Intention, Determines Your Destination.

There is often a tension between where we want to end up in life and the path we choose to get there. We fail to see that having good intentions is never good enough. Like Charlie Brown, we wrongly believe there’s something to be said for trying hard. We need to understand why, in spite of our good intentions, we may have ended up at the wrong destination with our finances, our marriages, our careers, or a host of other dreams. So how do we get from where we are to where we truly want to be? The Principle of the Path is a road map to proper direction and discipline.

Includes Extensive Study Guide.

12. Eat That FrogBrian Tracy

Eat That Frog

Publisher’s Notes (have read)
If you are like most people today, you’re overwhelmed with too much to do and too little time.  “Eat that frog” is a metaphor for tackling the most challenging task of your day.  Your most challenging task is the one you are most likely to procrastinate on–but it’s also the one that will have the greatest positive impact on your life.

Eat That Frog! shows you how to zero in on the critical tasks and organize each day–you’ll not only get more done faster, but get the right things done.  It’s time for you to get control of your life. It’s time for you to become the master of your time.

When you buy Eat That Frog you will learn the 21 great ways to stop procrastinating and get more done in less time.

~No more excuses
~No more procrastinating
~Accomplish high value tasks every day

13. Thou Shall ProsperRabbi Daniel Lapin

Thou Shall Prosper

Publisher’s Notes (haven’t read yet)
Explore 10 fundamental “commandments” relating to business and money

~Believe in the dignity and morality of business
~Extend the network of your connectedness
~Get to know yourself
~Don’t pursue perfection
~Lead consistently and constantly
~Change the changeable while clinging to the unchangeable
~Learn to foretell the future
~Know your money
~Give money away
~Never retire

14. The Ant And The Grasshopper -Amy Lowry Poole

ant and the grasshopper

Amazon Review (have read)
While the ants are hard at work collecting food for the long winter, the grasshopper only plays and does no work at all to prepare for the long harsh winter up ahead. Soon the winter comes and the ants are warm and have plenty of food to eat. However the grasshopper is out in the cold with no food at all. I liked the illustrations in this book, and I also enjoyed the way the author told the moral to the readers. The author’s main moral was that there are times when you can play and times when you need to do work, and you can’t play all the time. The moral is easily understandable so that children will be able to pick up on it. Also it is a great way in introduce time management to older children

15. The Tortoise And The HareRetold by Graham Percy

(have read)

The Tortoise And The Hare

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I got a little annoyed last week, when it was suggested that for someone with only a high school diploma, they were limited to working at the checkout at Walmart. (This argument was used to explain why debt was needed by low income families to get by.) Believing this is ridiculous, and spreading it around for someone without a degree to hear, is irresponsible!  This is America!! Imagine someone with only a high school diploma, hearing someone say this and believing it.  Dreams can be crushed before they ever have a chance to germinate.  This is why I am such a strong believer in teaching people that they can do whatever they want, if they are willing to do what it takes to achieve it.  If you do nothing, you will be nothing! (Sounds harsh right?  But how can you be something, if you have done nothing to get there?)

Yeah, there might be some folks out there that do not aspire to be anything more, and that is okay for them, but the rest need encouragement! Here are some things you need to know that will keep you from accepting and keeping a cashier position, because someone else says that’s all you can be!!  For the record, I am not belittling anyone who might be a cashier.  I am simply responding to the idea that if you have only a high school diploma, that’s all you can be, leaving you forced to accept debt as your only means of survival.

  • Wherever you are, even if it is at the bottom, doesn’t mean you have to stay there! This may come as a surprise to many, but minimum wage is not intended to support a family.  It is intended to give someone a starting point in the work force.  It allows you to build some confidence in yourself, as well as prove to others that you are reliable, trustworthy, and hard working, just to name a few.  It provides you with some references to use at the next stage in your working life.  If you make minimum wage and are sick of it, go look for something that pays more.  Thinking that the employer should support a family, by paying someone with minimum wage skills more money, just because those wages do not provide adequately for them, in my opinion, is wrong!
  • Education does not come from a degree, it comes from knowledge! College does make things easier, but have you ever known an unemployed grad student?  It’s not the end all be all, and it certainly isn’t the only way to success.  There are tons of jobs that you can do that can pay very well, but it’s up to you to make it happen.

“You don’t need fancy highbrow traditions or money to really learn.  You just need people with the desire to better themselves.” – Adam Cooper and Bill Collage

  • Knowledge is found for free at your local library…GO READ! The average millionaire reads a non-fiction book a month.  A great place to start is by reading No More Mondays & 48 Days To The Work You Love written by Dan Miller.  Dan Miller is a personal and business coach that teaches people that the traditional methods of employment are becoming obsolete.  He pushes the idea that if people did what they were passionate about, then not only would they be happier, but the work they do would not feel like work at all.  What are your strengths and how can you offer a legitimate service to others using those strengths?  Check out his website at 48days.com.

“You will be the same person in five years as you are today except for the people you meet and the books you read.” – Charlie “Tremendous” Jones

  • Expand your limitations by getting online, which is also available at your local library. The internet has changed the way people do business, and made it easier for anyone to become successful if they choose to.  Darren over at Problogger wrote, Secrets For Blogging Your Way To A Six-Figure Income, to help others learn how to make additional income, or start a new career by blogging.  You can blog, and even become successful at it, without a college degree.  There are lots of non-traditional jobs like this where you can earn money for your talents.
  • There are tons of FREE resources! University of the People is a tuition free, online, open source university.  Here are the Top 10 Universities that offer free courses.  Don’t limit yourself by thinking that the information you need is not available!  Go look for it!
  • Stay away from negative people! There are people out there that always look at the glass as half empty.  (<~~ I used to be that guy) They have nothing positive to say about anything, and when someone around them starts to move forward, they usually take the opportunity to tell them why it can’t be done.  I have been friends with these kinds of people.  They want you to do exactly what they are doing, which is usually NOTHING!
  • Take responsibility for yourself! Nothing robs us of achieving success, as much as failing to realize that OUR own actions determine our path.  By thinking that someone else is keeping you from taking action or becoming successful, you yourself, become your biggest obstacle.

“The greatest discovery of my generation is that a human being can alter his life by altering his attitudes of mind.” – William James

Successful People With Only A HS Diploma And Even Less!

Mary Kay Ash – (Mary Kay Inc.) High School diploma!
Coco Chanel – (Chanel Number 5) One-time orphan!
Henry Ford – (Ford Motor Company) High School dropout!
Milton Hershey – (Hershey’s Milk Chocolate) Fourth grade education!
Frank Lloyd Wright – (Famous Architect) Never attended High School!
Walt Disney – (Disney) High School dropout!
Steve Jobs – (Apple Computers) College dropout!
Michael Dell – (Dell Inc.) College dropout!

Other well known degree free people:

Orville and Wilbur Wright
Thomas Edison
Rachel Ray
John D Rockefeller
Abraham Lincoln

Top 10 Highest Paying Jobs Without a Degree (Traditional Jobs)

Air Traffic Controller – $105,820 (no degree, but 4 years of college is needed)
Real Estate Broker – $76,930
Transportation Manager – $75,130
Non-retail Sales Supervisor – $73,670
Nuclear Power Reactor Operator – $66,900
Gaming Manager – $65,920
Power Distributor – $59,510
Detective – $58,750
Elevator Repairer – $58,500
Ship Engineer – $57,290

Others with income ranging anywhere from $20,000 to $50,000:
Firefighter
Police Officer
Mechanic
Appliance Repairmen
Plumber/Electrician
Salesmen
Web Designer
Entrepreneur (income obviously varies)

Proof that a high school diploma doesn’t equate to poverty or being unsuccessful!  Don’t believe the myth!  Having only a high school diploma also doesn’t mean that you have to use debt and credit cards to survive!  Do a budget, have a plan, and make better decisions with what you do make, and you will be more likely to escape or avoid poverty than if you use debt.  Debt is NOT a tool, and it will only keep you poor or struggling if you use it!  It will steal your hope, and cause you to see yourself as the victim that just can’t get ahead.  (That’s the result of thinking debt is your best option, because when it doesn’t work, you have nothing to look forward to.) With that said I am currently taking classes, debt free, and believe that a degree will give you some advantages.  It’s just not the only way to success!  Get an education however you are able to, but do not accept that you can not be successful just because you don’t have a degree.

Are you a degree free success story?  Do you know somebody that is?  Share your thoughts in the comments section.

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Table of contents for Motivation 101

  1. Motivation 101 – YOU CAN DO IT TOO!
  2. Motivation 101 – Saving To Buy, Instead Of Buying To Slave!
  3. Motivation 101 – What You Believe, Is What You Achieve!

Dawn and I have been going back and forth for days now.  I wanted to share with you the difference between her and I, mainly by pointing out why I think she is wrong in her thinking.  Her thinking is how most people look at it, and what I am trying to do here at EOD is to show people that there is another way that provides more options.  I believe that more options translates into a higher success rate.  A lot of people limit themselves by not realizing their options.  I think Dawn dwells on the problem instead of providing a solution.  I do not doubt her well intentions, I just think she’s wrong.  If she believes this and she writes about money, then I know others do as well.

A Perfect Example Of Victim Thinking And Limiting Yourself

Dawn: “I’m sorry, but if you have the misfortune of just a high school diploma, the kind of work you can get may be just at checkout at Walmart. People at that income level do indeed live paycheck to paycheck and it is rather hard to pay the rent, utilities, etc. without going into debt, especially if you live in an expensive state like I do, here in CT.”

“But i think that people who see the crisis we’re in today as a one-dimensional problem solely caused by individuals who wrack up debt, often because they have no other choice, have blinders on.”

NO OTHER CHOICE?” That is the very reason we disagree.  She thinks that people have no other choices and should accept the notion, that’s just how things are.  Limiting yourself by telling yourself that you have no options, will give you exactly that…NO OPTIONS! What you believe, is what you achieve!!

Misfortune of just a High School Diploma?”  I consider a college education to be valuable and an advantage but it is certainly not the only way one can become successful! It is this line of thinking that keeps someone believing that they can’t do something when really they can! What you believe, is what you achieve!!

Me: “My point was this. If I can do something OTHER than live on minimum wage and I have only a high school diploma, then others can do the same. I am not special! Instead of accepting my struggle I have decided to be proactive in how my life turns out. It’s really that simple. People can educate themselves about anything using the internet and resources from the library to help make their way. Anything is possible and that includes living without debt.”

Me And The Victim Mentality Do Not Get Along

Dawn: “Lax bank regulation played a big role in the mess we’re in and bankers, having the training and lending knowledge, understood the risks better than lower income people trying to get ahead. The banks were out for profit only and by looking the other way, made it possible for people who could ill afford to purchase a home to in fact do so. If the banks said “no,” we wouldn’t be where we are today.”

Here we go blaming others again! Obviously Dawn wasn’t paying attention when Washington put pressure on mortgage lenders to give loans to people that shouldn’t have got them.  Also, she is suggesting that people blindly sign their name without understanding or knowing what it is that they are signing. Rule number 1: Understand anything and everything that you put your name on, OR do not complain about the end result of you not knowing!  If you understand that rule then you understand why it is not someone else’s fault that YOU signed your name!

Me: “You believe you are helping people and I respect that. You are encouraging the problem by telling them that what they have been doing is NOT their fault, and I am saying maybe it’s time for people to start examining their habits, and try something else. You want to place blame and I want to empower people to take control of their finances. I like my way because I know my way works and your way just continues the problem. The victim mentality is a form of slavery and I am trying to free the slaves from their own peril.

Who Is Really The One That Is Single-Mindlessly Focused?

Dawn: “Brad, I really think that you and I are on the same page…we both want people to take responsibility for their financial well being. Its not something that’s often taught in schools.

The difference, I think, is that I also work to inform people of various other forces at work that are often beyond the ability of the average person to control. I’m talking about various government regulations (or the lack thereof), global economic events and just plain bad luck. You seem to be single-mindlessly focused on personal responsibility without acknowledging that sometimes, despite the very best effort and intentions, $*%# happens.”

I wrapped up the conversation with this:

Me: “You are right Dawn, I personally think it is a waste of time to try and figure out who was at fault. The bottom line for me is that when people look at their situation and say how can I make it better, instead of who caused it, I think they can be more productive towards defeating the enemies that cause the bad luck and other various forms of excuses that you named off. SO WHAT if the Government does or doesn’t have regulations concerning credit cards…don’t use credit cards and empower yourself to live without the crutch that has become credit. You seem to be overlooking the fact that if you have a plan then those things that happen, don’t really affect you all that much.

I personally believe that you are making people less active in winning because you are too concerned with having them focus on everything being out of their control, instead of allowing them to see HOW to climb those obstacles. People don’t want to know that there are obstacles, they already know that, they want to know how to overcome them!

Now for why I consider myself to be an expert in this area. I USED to do what you do! I USED to look at the supposed problems! I USED to focus on why things were happening to me! It wasn’t until I started reading more from Dave Ramsey, Dan Miller, Brian Tracy, and John G. Miller that I realized I was wasting my time, AND when I began to ask myself different questions. You should really read a book called QBQ- The Question Behind The Question, because I believe you focus on asking the wrong questions.

My life and direction changed completely once I started to think differently. I actually started defeating my obstacles instead of looking for who put them there. I now believe in myself and my ability to secure my own future, without relying on Washington or anyone else to put a rule in place that will protect me. What I learned is that there is hope and empowerment in realizing I do not have to accept your ideas and solutions.

With all of that said, I would like to respectfully say that we are hardly alike. Maybe you should re-examine which one of us is more “single-mindlessly focused”, since you are the one that is in the box, and I am the one outside of it telling people there are more options where I am.”

END

Lesson: Don’t limit yourself by accepting what you think you can’t do, go find out that you can do it!  What you believe, is what you achieve!!

Do you agree or disagree with me?  Let me know, and as I was with Dawn, please be respectful!  I would love to hear your opinion.

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Motivation 101 – Saving To Buy, Instead Of Buying To Slave!

Can You Buy A House, Have A Car, Or Go To College Without Debt?
With a plan you can!  It seems like every time I write an article like this I lose a few subscribers.  That’s fine, I am fully aware that I will not please everyone.  This would be too easy if I could, and [...]

6 comments Get Motivated!

As Seen On CNN.com

An Unusual Day In The Life Of A Part Time Blogger
Well let me start by saying, WOW!!!  Today was an extraordinary day for me.  Two weeks ago I was contacted through my website by Jim Kavanagh, a writer for CNN.com.  When I woke up this morning I had no idea what I was in for.  [...]

6 comments Get Motivated!

Just Say NO To Debt CONsolidation!

Once a month I may get something from a company that wants to partner with Enemy of Debt in some way. The one I received today was a little different but not really.  She claimed to read a blog of mine, but maybe she needed to read more of them before contacting me.  Her company [...]

3 comments Get Motivated!

Myth: I Don’t Make Enough To Do A Total Money Makeover

You Don’t Make Enough Money To Manage It?
I hear this excuse all the time.  Yes, I said excuse, or you could call it a justification for not wanting to face managing your money.  Either way you look at it, it is still a myth.  Yes, it is true that you could do more faster if [...]

5 comments Get Motivated!

Dave Ramsey for President 2008

President Ramsey?
No, Dave Ramsey isn’t running for President, but if he was, I would probably vote for him.  He has expressed his opinion and has made it clear he does not want the job.  Personally, I do not blame him, but boy would it be nice to have a Government with a ZERO-BASED BUDGET?  It [...]

0 comments Get Motivated!

Are You Waiting For Washington To Save The Day?

As it stands now this is not a political blog, and I want to keep it that way.  However, with the upcoming election, coupled with recent events (bailout, mortgage crisis) and the state of our economy, I feel it is important to address this issue.  It seems that so many people are putting all of [...]

0 comments Get Motivated!